Yiren Digital (YRD) Return on Assets (2016 - 2025)
Yiren Digital (YRD) reported Return on Assets of 0.25% for Q4 2025, down 7.0% on a YoY basis from 0.27% in Q4 2024, and up 2.61% quarter-over-quarter from 0.24% in Q3 2025.
Yiren Digital (YRD) Return on Assets (2016 - 2025) Analysis & Trends
Yiren Digital has reported Return on Assets for 10 years, with the latest figure at 0.25% in Q4 2025.
- For the quarter ending Q4 2025, Return on Assets fell 7.0% year-over-year to 0.25%; the trailing twelve-month figure through Dec 2025 stood at 0.25% (down 7.0% YoY), and the FY2025 full-year result was 0.0%, changed 0.0% from the prior year.
- Return on Assets for Q4 2025 stood at 0.25%, up from 0.24% in the prior quarter.
- The five-year high for Return on Assets was 1.73% in Q3 2023, with the low at 0.9% in Q3 2024.
- Historically, Return on Assets has averaged 0.33% across 5 years, with a median of 0.26% in 2025.
- Annual changes were most pronounced in 2024 — Return on Assets slumped 262 bps — and 2025, when it soared 114 bps.
- Yiren Digital's Return on Assets stood at 0.43% in 2021, then surged by 220 bps to 1.39% in 2022, then sank by 130 bps to 0.42% in 2023, then surged by 175 bps to 0.32% in 2024, then dropped by 22 bps to 0.25% in 2025.
- The last three Return on Assets figures came in at 0.25% (Q4 2025), 0.24% (Q3 2025), and 0.26% (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROA (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 0.00% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 0.00% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 0.00% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 0.00% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 0.00% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 0.00% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 0.00% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 0.00% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 0.00% |
| 10 | Yiren Digital | 29.86 Mn | -515.90 Mn | 105.97 Mn | 0.25% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 0.25% |
| Sep 30, 2025 | 0.24% |
| Jun 30, 2025 | 0.26% |
| Mar 31, 2025 | 0.31% |
| Dec 31, 2024 | 0.32% |
| Sep 30, 2024 | -0.90% |
| Jun 30, 2024 | -0.48% |
| Mar 31, 2024 | -0.39% |
| Dec 31, 2023 | -0.42% |
| Sep 30, 2023 | 1.73% |
| Jun 30, 2023 | 1.46% |
| Mar 31, 2023 | 0.90% |
| Dec 31, 2022 | 1.39% |
| Sep 30, 2022 | 0.79% |
| Jun 30, 2022 | 0.43% |
| Dec 31, 2021 | 0.43% |
| Sep 30, 2021 | 0.00% |
| Jun 30, 2021 | 0.00% |
| Mar 31, 2021 | 0.00% |
| Dec 31, 2020 | 0.00% |